The business loan is designed for Comgate clients who have been using the payment gateway or payment terminal for at least six months. It can be drawn in amounts between CZK 50,000 and CZK 2,000,000; the specific maximum amount depends on the volume of payments processed through the payment gateway or terminal.
The total fee for the loan depends on the selected maturity period and your individual risk profile – standardly ranging from 0.8% to 1.3% per month. For a 3-month maturity, the total fee is 2.4% to 3.9%, for 6 months it is 4.8% to 7.8%, and for a 12-month maturity, it is 9.6% to 15.6%. Repayments are made automatically via deductions from transactions.
Who can apply for the loan?
The loan is intended for Comgate clients who have been using the payment gateway or payment terminal for the last six months. The loan can be used for anything related to your business – such as expanding warehouse space, purchasing goods, running a marketing campaign, etc.
How does the application and approval process work?
You can apply for the loan in the Comgate Client Portal, where you will receive an offer straight away. The application, data verification, approval, and signing of the agreement take place entirely online, and the whole process takes approximately 10 minutes. We send the funds to your bank account immediately after the electronic signature of the agreement.
What documents are required?
During the online loan application, you need to provide:
A photo (or scan) of both sides of your ID card.
A selfie holding your ID card, where both the applicant's face and the photo on the card are clearly visible.
A second document to verify your identity (driving licence, passport, or health insurance card).
A copy of your bank account statement for the last three months (documents can be uploaded in PDF, JPG, PNG, or IMG format).
If you choose the option to securely connect your business bank account via the SaltEdge application during the online application (by confirming consent in your internet banking), you do not need to upload bank statements manually. This connection also allows transactions outside the payment gateway to be evaluated, which can result in a higher financing offer.
What are the collateral requirements?
Over 80% of loans are approved, with no financial statements or long company history required. In cases where the assessment indicates a need for security, only a personal guarantee by a simple declaration is required. No property pledge, additional guarantors, notary deeds, or other complexities are needed.
Who is the loan provider?
The loan provider is Lemonero, s.r.o., which is co-owned by Komerční banka, a.s. This loan product has been tailor-made for Comgate clients and is provided exclusively in cooperation with Comgate.
How does the loan repayment work?
Repayments are made automatically and conveniently in the form of deductions from each transaction processed via the Comgate payment gateway or payment terminal. The exact repayment period depends on the automatically set deduction rate.
What if the transaction volume does not cover the minimum monthly instalment?
If, after 15 days of the monthly cycle, it appears that the automatic deductions from transactions will not reach the minimum instalment amount, the deduction percentage will temporarily increase. As soon as the minimum instalment is met (no later than 3 days before the end of the monthly cycle), the deduction percentage returns to its original contractual level.
What happens in the event of a long-term transaction outage?
In the event of drops or a complete suspension of transactions through the payment gateway/terminal, it is necessary to adhere to the repayment schedule specified in the agreement and make the payments manually, or send the difference via bank transfer to the specified account.
Sample agreement for download
You can download the sample agreement here.
Sample billing statement
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